We're making purchasing luxury watches affordable to everyone. Spread the cost of your next watch purchase by taking out interest free finance. Whether you're looking for a men's watch on finance, or a ladies watch on finance, all of our watches are available to purchase today by spreading your payments over 12, 24, 36, 48, or 60 months*
With just a 10% deposit, you can secure the watch of your dreams today. Click here to view our full range of watches on finance, or read on to learn more about our finance options.
*60 month finance available on watches over £3000
Spread the cost with our interest free finance available online and in store.
Our simple finance options allow you to spread the cost of your watch over 12, 24, 36, 48 or 60 months.
Spend a minimum of £280
Place a minimum deposit of 10%
Minimum finance amount after deposit £250
*60 months interest free finance on watches over £3000.
The table below shows you how much monthly repayments will be based on the total order value.
|Order Value||Terms (Months)||Deposit (1%)||Monthly Payments|
Andrew Michaels Jewellers Ltd is authorised and regulated by the Financial Conduct Authority (FCA) as a credit broker (registration number 700186) and is not the lender. It only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance who are the lenders. Credit is provided subject to age and status.
You apply for finance by simply pressing the finance tab underneath the 360 degree image of the watch. This will then bring up the terms available. By changing your deposit it will change the price of each monthly payment. After deciding on your deposit select the length you would like finance for and press apply now. This will then proceed you to your shopping basket where you will need to press “proceed to checkout”. The next page will then proceed to ask you for you contact details and billing and delivery address, please note with finance agreements the product may only be sent to the billing address unless collected in store. Once you have typed in your information please scroll to the bottom of the screen and press pay by V12 Finance. This will then transfer you to the V12 gateway where you will need to answer a few of their questions before they decide whether to accept or reject your application. Once accepted you will receive a call from us to take your deposit over the phone.
Yes, all watches are available on finance. The finance varies depending on the watch to whether it is available at 0% or 9.9% APR. This is at the retailers discretion to what percentage APR the watch is available at.
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement (AMJ Watches) will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by V12 Finance. Shipment of your goods will follow soon after your agreement has been returned to our finance company.
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:
The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.
To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 36 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.
Yes we are, we have been an independent jewellers and watch distributor for over 35 years. We are authorised to sell many major brands such as Breitling, Tag Heuer, Hublot and many more. There are certain brands we are not authorised for but can provide as we purchase the watches from an authorised dealer, these include Rolex, Omega, Panerai and more.
Any watch that you take an interest to we can try and source for you. There are some watches that we have in stock but do not currently have on our website so always feel free to contact us and ask if we have the watch. If not then we will try our hardest to get this watch in stock for you and if we are unable to get the watch will try and supply you with alternatives.
We have a 14 day returns policy so If upon receiving your watch you are not entirely happy then it can be sent back to us for a refund or exchange. Providing you have not been wearing the watch or damaged it in any way.
We have one shop that is based in Newark, Nottinghamshire. Please see our contact us page details for directions and the exact address.
Yes we do accept part exchanges. Please contact us with information of your watch, pictures of your watch and the watch of ours you are interested in of ours, then after we can get back to you with a part exchange price.